Rehab Centers That Accept BCBS Insurance In Michigan
Medically reviewed byDr. Gerardo Sison
April 1, 2019
Whether you are a Michigan resident that gets insurance via an employer or through the marketplace, Blue Cross Blue Shield has plans that can help you get the drug and alcohol dependence treatment you need. BCBS offers comprehensive coverage with many of their policies that include detox, residential treatment, and outpatient care. Don’t let the cost of treatment keep you from getting the help you need.
What BCBS Pays
Blue Cross and Blue Shield does pay for detox and rehabilitation services, but the amount of your deductible and co-pay will vary based on your policy. For example, this company has a comprehensive plan for Federal employees in Michigan that covers detox and inpatient hospitalization. Detox is a critical part of recovery because it allows your body to adjust to life without drugs. BCBS recognizes this and pays for that treatment as well as therapy to help you enjoy sobriety.
The amount the company pays will depend somewhat on the metal level plan you purchase either through the marketplace or an employer. Under each metal level, BCBS Michigan has a number of available plans. Their availability depends on your location. For example, residents of Kent, Muskegon or Oceana County have access to the Blue Cross Partnered Bronze Saver plan while people living in West Michigan purchase the Partnered Bronze program. What you pay will vary based on the plan available to you.
In Michigan, BCBS has:
- Eleven Bronze plans
- Eighteen Silver plans
- Twelve Gold plans
- One Platinum plan
With the exception of the Platinum plan, most of the metal level plans (Bronze, Silver, and Gold) require you to meet the deductible before the company makes any payment. The deductible level depends on the plan you select. For the Premier Silver Saver available to any Michigan resident, the deductible for an individual plan is 3,500 dollars or 7,000 dollars for family insurance. If you go out of network for treatment, the deductible goes up.
Any money you pay towards your health care for the year goes into your deductible. If you have already met the deductible prior to entering treatment, the company will pay a large portion of the costs. The amount depends on the metal level and the plan. Generally, Bronze plans require you to contribute 40 percent of the costs up to the out-of-pocket maximum. Silver is 30 percent, Gold, 20 percent, and Platinum, 10 percent.
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Inpatient vs. Outpatient Care
If you are lucky enough to have Blue Cross Blue Shield of Michigan, then you can get both residential treatment and outpatient care. Residential treatment means you live in a facility for 30 to 90 days while recovering. With outpatient care, you go to a site for therapy and treatment but are free to go home or to work while recovering. Your treatment options are based on the care plan your doctor feels is appropriate for you.
The company approves payment for both inpatient and outpatient services and will likely cover hospitalization for detox, as well. The amount they pay and your out-of-pocket expense is listed in the plan benefits.
Blue Cross Blue Shield does require referrals and pre-certification for rehabilitation services. A doctor must deem it medically necessary that you get treatment and provide a referral. Your cost will be less if you stay in network for treatment.
The company also requires pre-certification, however; they may still pay a portion of the cost without it. If you fail to go through the authorization processes, BCBS may charge you a fee of up 500 dollars.
For Michigan residents, Blue Cross Blue Shield is available through either the insurance marketplace or an employer-sponsored group plan. They do pay at least a portion of the cost of detox and rehab, both inpatient and out. If you find yourself or someone you love in need of treatment, contact RehabCenter.net for help.